Basis: FMP quote price / unrounded diluted EPS from four consecutive issuer fiscal quarters. Source: stored company filings and market data; unavailable inputs remain N/A.
Is the P/E ratio high or low?
The P/E ratio of 9.38 is in line with its 5-year average of 10.00, near the low end of its 5-year range (7.38–15.55).
As of 2026-10-06T15:36:20.348Z. 9.58% above its 12-month average of 8.56.
Calculation as of: 2026-10-06T15:36:20.348Z.
Quote observation: 2026-10-06T15:33:21.000Z. Amounts in USD. The price header may show a later quote.
FMP input reference: 411c50806552667648fe7e0ec3a5dd63381f22d071cef01dbaa415e7542f7a27
PE Ratio (9.38) = Close Price ($80.22) / Diluted TTM EPS ($8.55)
PE RATIO
9.38
PE RATIO AVG TTM
8.56
PE RATIO AVG 3Y
10.08
PE RATIO AVG 5Y
10.00
PE RATIO AVG 10Y
11.34
PE RATIO AVG 15Y
11.25
PE RATIO AVG 20Y
10.92
CURRENT VS TTM AVG
+9.58%
CURRENT VS 3Y AVG
-6.94%
CURRENT VS 5Y AVG
-6.18%
CURRENT VS 10Y AVG
-17.25%
CURRENT VS 15Y AVG
-16.59%
CURRENT VS 20Y AVG
-14.10%
SECTOR MEDIAN · FINANCIAL SERVICES
13.58
median of 438 covered companies
CURRENT VS SECTOR MEDIAN
-30.93%
vs the sector median at left
Citizens Financial Services, Inc.
Market Cap
$385.45M
PE Ratio
9.38
TTM Avg
8.56
3Y Avg
10.08
5Y Avg
10.00
Market Cap
$391.36M
PE Ratio
40.79
TTM Avg
30.67
3Y Avg
28.74
5Y Avg
28.74
Market Cap
$379.38M
PE Ratio
20.63
TTM Avg
12.23
3Y Avg
12.23
5Y Avg
12.03
Market Cap
$374.88M
PE Ratio
8.70
TTM Avg
7.52
3Y Avg
6.75
5Y Avg
8.72
| NAME | MARKET CAP | PE RATIO | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Citizens Financial Services, Inc. (CZFS) | $385.45M | 9.38 | 8.56 | 10.08 | 10.00 |
| MVB Financial Corp. (MVBF)vs › | $386.38M | 10.16 | 12.43 | 12.31 | 12.83 |
| Primis Financial Corp (FRST)vs › | $387.37M | 7.21 | 24.65 | 65.20 | 41.39 |
| The First Bancorp, Inc. (FNLC)vs › | $382.81M | 10.07 | 9.73 | 9.86 | 9.36 |
| Parke Bancorp, Inc. (PKBK)vs › | $390.14M | 8.58 | 8.98 | 8.63 | 7.66 |
| Berto Acquisition Corp. II (GUAC)vs › | $390.33M | N/A | N/A | N/A | N/A |
| Centurion Acquisition Corp. (ALF)vs › | $391.36M | 40.79 | 30.67 | 28.74 | 28.74 |
| Oportun Financial Corporation (OPRT)vs › | $379.38M | 20.63 | 12.23 | 12.23 | 12.03 |
| Northeast Community Bancorp, Inc. (NECB)vs › | $374.88M | 8.70 | 7.52 | 6.75 | 8.72 |
| GP-Act III Acquisition Corp. (GPAT)vs › | $396.75M | 45.62 | 34.05 | 33.33 | 33.33 |
At 9.4, P/E is below its 20-year median — higher than 30% of readings in its 20-year history.
20-year low
6.5
median
10.7
20-year high
17.4
Trailing P/E
9.4
Forward P/E
9.2
Forward P/E is calculated using analyst consensus EPS estimates for the current or next fiscal year.
Calculation:
Current Price
$80.22
Forward EPS (Est.)
$8.70
Forward P/E
9.22
Source: FMP Analyst Consensus Estimates. Forward EPS represents the average analyst estimate for the nearest fiscal year.
PE Ratio = Share Price / Diluted EPS (TTM)
The price-to-earnings ratio measures how much investors pay for each dollar of trailing earnings. A lower PE can indicate a cheaper valuation; a higher PE implies higher growth expectations.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
| DATE | PE RATIO |
|---|---|
| 2026-10-05 | 9.30 |
| 2026-10-02 | 9.46 |
| 2026-10-01 | 9.26 |
| 2026-09-30 | 9.19 |
| 2026-09-29 | 9.36 |
| 2026-09-28 | 9.41 |
| 2026-09-25 | 9.34 |
| 2026-09-24 | 9.28 |
| 2026-09-23 | 9.16 |
| 2026-09-22 | 9.42 |
| 2026-09-21 | 9.36 |
| 2026-09-18 | 9.51 |
| 2026-09-17 | 9.55 |
| 2026-09-16 | 9.51 |
| 2026-09-15 | 9.72 |
| 2026-09-14 | 9.65 |
| 2026-09-11 | 9.62 |
| 2026-09-10 | 9.72 |
| 2026-09-09 | 9.65 |
| 2026-09-08 | 9.62 |
| 2026-09-04 | 9.70 |
| 2026-09-03 | 9.78 |
| 2026-09-02 | 9.66 |
| 2026-09-01 | 9.35 |
| 2026-08-31 | 9.40 |
| 2026-08-28 | 9.47 |
| 2026-08-27 | 9.49 |
| 2026-08-26 | 9.44 |
| 2026-08-25 | 9.44 |
| 2026-08-24 | 9.47 |
| 2026-08-21 | 9.56 |
| 2026-08-20 | 9.41 |
| 2026-08-19 | 9.40 |
| 2026-08-18 | 9.79 |
| 2026-08-17 | 9.58 |
| 2026-08-14 | 9.65 |
| 2026-08-13 | 9.56 |
| 2026-08-12 | 9.70 |
| 2026-08-11 | 9.62 |
| 2026-08-10 | 9.48 |
| 2026-08-07 | 9.40 |
| 2026-08-06 | 10.05 |
| 2026-08-05 | 10.02 |
| 2026-08-04 | 10.09 |
| 2026-08-03 | 9.34 |
| 2026-07-31 | 9.47 |
| 2026-07-30 | 9.33 |
| 2026-07-29 | 9.43 |
| 2026-07-28 | 9.39 |
| 2026-07-27 | 9.28 |
| 2026-07-24 | 9.14 |
| 2026-07-23 | 8.73 |
| 2026-07-22 | 8.87 |
| 2026-07-21 | 9.07 |
| 2026-07-20 | 8.74 |
| 2026-07-17 | 8.99 |
| 2026-07-16 | 9.14 |
| 2026-07-15 | 8.94 |
| 2026-07-14 | 8.71 |
| 2026-07-13 | 8.71 |
| 2026-07-10 | 8.59 |
| 2026-07-09 | 8.72 |
| 2026-07-08 | 8.56 |
| 2026-07-07 | 8.89 |
| 2026-07-06 | 8.85 |
| 2026-07-02 | 8.82 |
| 2026-07-01 | 9.05 |
| 2026-06-30 | 8.84 |
| 2026-06-29 | 8.73 |
| 2026-06-26 | 9.01 |
| 2026-06-25 | 8.67 |
| 2026-06-24 | 8.67 |
| 2026-06-23 | 8.49 |
| 2026-06-22 | 8.23 |
| 2026-06-18 | 8.30 |
| 2026-06-17 | 8.11 |
| 2026-06-16 | 8.03 |
| 2026-06-15 | 8.12 |
| 2026-06-12 | 8.50 |
| 2026-06-11 | 8.27 |
| 2026-06-10 | 8.29 |
| 2026-06-09 | 8.24 |
| 2026-06-08 | 7.99 |
| 2026-06-05 | 7.98 |
| 2026-06-04 | 7.84 |
| 2026-06-03 | 7.65 |
| 2026-06-02 | 7.86 |
| 2026-06-01 | 7.94 |
| 2026-05-29 | 7.94 |
| 2026-05-28 | 8.07 |
| 2026-05-27 | 8.03 |
| 2026-05-26 | 7.92 |
| 2026-05-22 | 7.77 |
| 2026-05-21 | 7.91 |
| 2026-05-20 | 7.93 |
| 2026-05-19 | 7.85 |
| 2026-05-18 | 7.82 |
| 2026-05-15 | 7.71 |
| 2026-05-14 | 7.64 |
| 2026-05-13 | 7.69 |
| 2026-05-12 | 7.71 |
| 2026-05-11 | 7.71 |
| 2026-05-08 | 7.79 |
| 2026-05-07 | 8.05 |
| 2026-05-06 | 7.80 |
| 2026-05-05 | 7.70 |
| 2026-05-04 | 7.38 |
| 2026-05-01 | 7.49 |
| 2026-04-30 | 7.71 |
| 2026-04-29 | 8.53 |
| 2026-04-28 | 8.83 |
| 2026-04-27 | 8.59 |
| 2026-04-24 | 8.67 |
| 2026-04-23 | 8.56 |
| 2026-04-22 | 9.06 |
| 2026-04-21 | 9.07 |
| 2026-04-20 | 9.07 |
| 2026-04-17 | 8.98 |
| 2026-04-16 | 8.52 |
| 2026-04-15 | 8.69 |
| 2026-04-14 | 8.69 |
| 2026-04-13 | 8.95 |
| 2026-04-10 | 8.78 |
| 2026-04-09 | 9.07 |
| 2026-04-08 | 8.82 |
| 2026-04-07 | 8.69 |
| 2026-04-06 | 8.41 |
| 2026-04-02 | 8.33 |
| 2026-04-01 | 8.17 |
| 2026-03-31 | 8.04 |
| 2026-03-30 | 8.02 |
| 2026-03-27 | 7.93 |
| 2026-03-26 | 7.91 |
| 2026-03-25 | 7.73 |
| 2026-03-24 | 7.97 |
| 2026-03-23 | 8.12 |
| 2026-03-20 | 7.89 |
| 2026-03-19 | 7.88 |
| 2026-03-18 | 7.61 |
| 2026-03-17 | 7.78 |
| 2026-03-16 | 7.78 |
| 2026-03-13 | 7.75 |
| 2026-03-12 | 7.85 |
| 2026-03-11 | 7.89 |
| 2026-03-10 | 7.99 |
| 2026-03-09 | 8.04 |
| 2026-03-06 | 8.08 |
| 2026-03-05 | 7.97 |
| 2026-03-04 | 8.31 |
| 2026-03-03 | 8.06 |
| 2026-03-02 | 7.98 |
| 2026-02-27 | 7.89 |
| 2026-02-26 | 8.17 |
| 2026-02-25 | 8.16 |
| 2026-02-24 | 7.94 |
| 2026-02-23 | 7.88 |
| 2026-02-20 | 8.27 |
| 2026-02-19 | 8.22 |
| 2026-02-18 | 8.27 |
| 2026-02-17 | 8.43 |
| 2026-02-13 | 8.40 |
| 2026-02-12 | 8.29 |
| 2026-02-11 | 8.24 |
| 2026-02-10 | 8.51 |
| 2026-02-09 | 8.59 |
| 2026-02-06 | 8.64 |
| 2026-02-05 | 8.78 |
| 2026-02-04 | 8.88 |
| 2026-02-03 | 8.76 |
| 2026-02-02 | 8.59 |
| 2026-01-30 | 8.31 |
| 2026-01-29 | 8.72 |
| 2026-01-28 | 8.62 |
| 2026-01-27 | 8.72 |
| 2026-01-26 | 9.13 |
| 2026-01-23 | 9.24 |
| 2026-01-22 | 9.40 |
| 2026-01-21 | 9.49 |
| 2026-01-20 | 8.96 |
| 2026-01-16 | 9.08 |
| 2026-01-15 | 8.85 |
| 2026-01-14 | 8.63 |
| 2026-01-13 | 8.49 |
| 2026-01-12 | 8.51 |
| 2026-01-09 | 8.45 |
| 2026-01-08 | 8.33 |
| 2026-01-07 | 8.13 |
| 2026-01-06 | 8.05 |
| 2026-01-05 | 8.13 |
| 2026-01-02 | 7.85 |
| 2025-12-31 | 8.04 |
| 2025-12-30 | 7.94 |
| 2025-12-29 | 8.17 |
| 2025-12-26 | 8.19 |
| 2025-12-24 | 8.27 |
| 2025-12-23 | 8.28 |
| 2025-12-22 | 8.29 |
| 2025-12-19 | 8.31 |
| 2025-12-18 | 8.60 |
| 2025-12-17 | 8.76 |
| 2025-12-16 | 8.67 |
| 2025-12-15 | 8.66 |
| 2025-12-12 | 8.63 |
| 2025-12-11 | 8.81 |
| 2025-12-10 | 8.69 |
| 2025-12-09 | 8.61 |
| 2025-12-08 | 8.27 |
| 2025-12-05 | 8.00 |
| 2025-12-04 | 8.06 |
| 2025-12-03 | 7.95 |
| 2025-12-02 | 7.65 |
| 2025-12-01 | 7.71 |
| 2025-11-28 | 7.88 |
| 2025-11-26 | 7.91 |
| 2025-11-25 | 8.07 |
| 2025-11-24 | 7.94 |
| 2025-11-21 | 8.07 |
| 2025-11-20 | 7.73 |
| 2025-11-19 | 7.68 |
| 2025-11-18 | 7.75 |
| 2025-11-17 | 7.59 |
| 2025-11-14 | 7.92 |
| 2025-11-13 | 8.04 |
| 2025-11-12 | 7.91 |
| 2025-11-11 | 8.13 |
| 2025-11-10 | 8.08 |
| 2025-11-07 | 8.26 |
| 2025-11-06 | 8.41 |
| 2025-11-05 | 8.58 |
| 2025-11-04 | 8.41 |
| 2025-11-03 | 8.26 |
| 2025-10-31 | 8.34 |
| 2025-10-30 | 8.26 |
| 2025-10-29 | 8.16 |
| 2025-10-28 | 8.26 |
| 2025-10-27 | 8.42 |
| 2025-10-24 | 8.46 |
| 2025-10-23 | 8.42 |
| 2025-10-22 | 8.67 |
| 2025-10-21 | 8.62 |
| 2025-10-20 | 8.44 |
| 2025-10-17 | 8.35 |
| 2025-10-16 | 8.09 |
| 2025-10-15 | 8.34 |
| 2025-10-14 | 8.54 |
| 2025-10-13 | 8.27 |
| 2025-10-10 | 8.26 |
| 2025-10-09 | 8.56 |
| 2025-10-08 | 8.75 |
| 2025-10-07 | 8.55 |
| 2025-10-06 | 8.80 |
| 2025-10-03 | 8.68 |
| 2025-10-02 | 8.68 |
| 2025-10-01 | 9.19 |
| 2025-09-30 | 9.18 |
| 2025-09-29 | 9.18 |
| 2025-09-26 | 9.36 |
| 2025-09-25 | 9.33 |
| 2025-09-24 | 9.22 |
| 2025-09-23 | 9.54 |
Showing the most recent 260 of 4,555 data points. The chart above shows the full history.
